Can you claim car insurance if it’s your fault?

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Things to remember...
  • Your car insurance policy is designed to protect you from losses above the norm; regardless of fault in many situations
  • When you are at-fault for an accident, your insurance may be required to cover the other party’s loss
  • However, your insurance provider will also provide coverage for any damages you incur, minus any applicable deductible
  • During the claim process, your insurance provider will request additional details about the incident and anyone involved
  • If you have questions about how your insurance protects you in the event of a loss, speak to your insurance provider about your policy coverage

When you are at-fault for damages to your vehicle, it does not change the fact that you need to get your vehicle repaired or replaced.

Your insurance policy is designed to protect you from losses that are above and beyond normal wear-and-tear to your vehicle. This coverage includes damages that you may be responsible for but falls within the realm of what your provider covers.

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Claiming Car Insurance Coverage After an Accident

When you are involved in an accident with another driver, one of the first steps is determining fault for the accident.

Even before the fault determination is made, you can still file a claim with your insurance provider.

If you are determined to be the at-fault party in the incident, your insurance provider should still help you recover from the loss.

During the claim process, your insurance provider will look at your insurance coverage to determine what options you have for your claim.

Your vehicle may be protected in many situations, if you carry a policy with a variety of coverage options, such as:

If you only have minimal coverage on your policy, then your vehicle may not be protected in the event of the loss.

When you file a claim for damages to your vehicle, you will usually have a deductible to pay before your coverage applies. The deductible is the amount you are required to handle from a covered loss.

Your provider may require the payment up front or they may deduct the amount from your covered loss.

For example, if you are involved in an accident, your insurance provider may determine that the damage to your vehicle is $1000. If you carry a deductible of $500, then you may be required to pay that amount before your provider covers the remaining $500 of the loss.

Your insurance provider may also opt to take your total loss amount, minus your deductible, and pay you the difference.

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Claiming Car Insurance Coverage For an Unexpected Loss

Being in an accident with another driver is not the only time your vehicle may be damaged.

There are many unforeseen or unexpected events that can occur, such as weather-related damages or animal-related damages. There are also unexpected events that can occur that you may be responsible for.

For instance, if you are working on your landscaping, you may decide to trim tree branches around your home. If your car is parked outside while you are trimming these branches, one could accidentally fall on your car.

In this instance, you may still be determined at fault for the damages, even though there was no other driver involved. If this occurs, your insurance provider will often still require you to file a claim and proceed through the claim process.

If you carry comprehensive coverage, for this specific scenario, then your provider may be able to help you recover from the loss.

Just like collision losses, your comprehensive losses will often carry an insurance deductible. Your provider may require you to pay this amount before covering your loss, or they may deduct this amount from any claim settlement amount.

If you have questions about how your coverage or deductible will apply to a loss, speak to your insurance provider about your policy terms.

Filing A Claim

Filing a claim on your policy can occur regardless of who is at-fault. If you are at-fault for an accident or unexpected loss, your insurance provider may still be able to help you recover from the incident.

When you file a claim with your provider, you will normally be required to cover your deductible amount. Your provider may require this paid up front, or they may deduct this amount from your settlement.

Every insurance provider is different, meaning that your provider may have other rules or guidelines in place for how they handle claims and deductibles.

If you have questions about how your provider handles these types of incidents, be sure to speak with them before a loss occurs.

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